The new ICBC commercial loan policy

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  • / Author: Aaron Lewis
ICBC commercial loans (pure commercial loans, portfolio loans)
 
 A. Ploidy determination a few loans, interest rates (andICBC has to believe they believe housing loans to perform)
 
The first suite: the borrower family as a unit, never purchase loans, for the first time to apply for a loan:
       (1)In the area of90Metres above the maximum loan7Into, interest rate7.5Fold;
       (2)In the area of90Square meters below the maximum loan8A (VIP) interest rate8.5The general customers the highest loan discount7Into, interest rate7.5Fold.
TwoSuite: the borrower family as a unit, as long as there is a housing loan to buy a house, record, two suites, Shoufu5As interest rates go up10%
ThreeSuite: the borrower family as a unit, there are two housing loans, buy a house again, three suites, Shoufu6As interest rates go up20%(three suites to stop accepting)
 
Note: (1Collateral area below)70Square meters or collateral price below70Million, need the main man reach the required standard of ICBC's VIP customers;
          (2)Age over20Years, appropriate to reduce the proportion.
 
Two.Loan period:ICBC has no requirements for age, maximum loan to30Years.
   
      Loan period≤The number of years of land use (70Years)-Collateral age;
      Loan period≤70Years old-The age of the borrower (can take age person Senate minimum in computing);
      The main credit or the Senate at the age of40Years old of the following (including40) basically can loan30Years.
     Age over20Years, can be credited to the30Years.
 Three.The VIP customer:
 
1NameFinancial assets (including stock, fund, insurance and so on) after conversion value50WThe above or total assets (movable and immovable property and other) after conversion value400WAbove.
 2YearsIncome of more than12W(the need to provide the corresponding tax bill or bank to pay wages detail running list);
 3There have been commercial housing loan amount50WThe above (including loans has been settled who), mortgage of commercial loan amount100WThe above (including loans has been settled, the individual housing loan portfolio of clients) no overdue repayment;
 4OnlyAdmit the Jiangsu Zhejiang Shanghai, Beijing City, Guangdong Province, Shenzhen City area vice section (including state-owned enterprises), intermediate (contain) above title, school (contain) officers, civil servants, the financial industry (excluding insurance agent), doctors, teachers, lawyers, certified public accountants; China telecommunications, electric power, aviation and other official in the staff;
5In theThe official staff in telecommunication, power, mobile communication, aviation, tobacco companies;.
6 The world500Strong and China500Strong enterprises senior management personnel.
 
The repayment of four:
 
1, matching principal: principal increased month by month, interest decreased month by month, the monthly repayment remains unchanged.
2, matching the principal: principal remain the same, interest monthly decline, decline in monthly payments.
 
Matching service"Same amount of each repayment, the monthly total principal plus interest, the borrower repayment pressure balanced, but the interest burden relatively large;"Matching principal"Also called"Decreasing the repayment method"Monthly principal, interest remains the same, different premise, repayment pressure, but the repayment amount will gradually decline, the total interest burden less...
 
Five. Trading mortgage
Generally divided into 2 types
1, the home Shoufu enough to help the home loan balance;
2, the home Shoufu not enough to help the home loan balance;

(first cases) for example:
The family sold the house by the 100W A 10W, and bank loans outstanding. Home Shoufu 20W, apply for housing loans in the bank B 80W;

In after the signing of the purchase contract, let the home loan banks and the A reservation repayment period, it is best to sign sales contracts of the time in the home, a good appointment repayment time (if the contract of sale signed in advance, you can pay a Shoufu (such as 10W) to the home, in the book of the repayment period to pay another part of Shoufu (10W)), then signed contracts of sale, to the home 20W, home to the lending bank balance directly with A to clear the 10W, then the bank withdrawal and A.
In handling the withdrawal and in the process, the family can also apply for B bank loan application. So wait until the bank A withdrawal and after examination and approval, bank B has passed, then on to the trading center for transfer transactions, just the normal process.

(second cases) for example:
The family sold the house by the 100W A 40W, and bank loans outstanding. Home Shoufu 20W, apply for housing loans in the bank B 80W;
 
 
In the query, information at the same time, the credit will query the home. If the family credit problems, then the Guarantee Corporation do not guarantee (in this case, the solution is, let the home increase Shoufu, for enough to repay 40W loans; two is the family of 20W, short-term borrowing funds, plus home Shoufu, the return of bank A loans)
 There is no problem in lower case of credit, good sign sales contracts, home to the home 20W shoufu. Home to Guarantee Corporation (here is a selection of the Shanghai housing home Company limited by guarantee) signed a trust agreement, and do the notarization, Guarantee Corporation guarantees to bank B. The home agent entrusted Guarantee corporation own return bank loans and A, and the home of the transfer transaction;

Then the family to apply for housing loans in bank B, bank B awarding the home loan application, approval, bank B 80W directly to the home of housing loans down to Guarantee Corporation account. Then the Guarantee Corporation prior arrangement with the bank A in the home of time, will be the home of 40W loans to settle, and then apply for bank mortgage undo A. After the withdrawal and end, the Guarantee Corporation at the time agreed to the trading center of transfer (this time, can not go), and then by receipts, second days after the transaction, the difference (80W - 40W) loan to the home. Then, take the normal process.
 
 
Six second-hand sale of the housing process:
 
1Home sales contracts signed.
2Signed contracts of sale day signed loan contract. (the borrower to related materials delivered to the loan officer hand)
3Materials gathered, banks began to carry out examination and approval. (3-5Working days)
4After examination and approval by the next day can be approximately good at home, go to the house where the district intermediary accompanied by the trading center for transfer procedures.
5.15-22Work in the future, new cards and his right certificate and sent to the bank, bank lending to the designated account after the audit.
6The home to receive new cards and related materials.
 
Seven second-hand housing related taxes and fees:
 
1The family needs to pay the tax
 
(1) full5Years of ordinary housing 
A.Personal income tax: the difference between the transaction price (now-The original purchase price) *20%Full (or the transaction price)*1%The only family housing exemption;
B.Stamp duty: exemption
(2) Not full5Years of ordinary housing 
A.Sales tax: the difference (now trading at-The original purchase price)*5.55%; 
B.Personal income tax: the difference between the transaction price (now-The original purchase price)*20%Full (or the transaction price)*1%;
C.Stamp duty: exemption
(3)Full of5The non ordinary housing years 
A.Sales tax: the difference (now trading at-The original purchase price)*5.55%; 
B.Personal income tax: the difference between the transaction price (now-The original purchase price)*20%Full (or the transaction price)*2%The only family housing exemption; 
C.Stamp duty: exemption
4.Not full5The non ordinary housing years 
A.Sales tax: the transaction price*5.55%; 
B.Personal income tax: the difference between the transaction price (now-The original purchase price)*20%Full (or the transaction price)*2%;
C.Stamp duty: exemption

2, the family need to pay the taxes and fees
(1Ordinary housing) 
A.Deed tax:..90Square meters below, the first suite, full (now trading)*1%.
                              Non first suite, full (now trading)*1.5%.
            90Square meters140Square meters, full (now trading)*1.5%
B.Stamp duty: exemption.
(2) the non ordinary housing 
A.Payment: full (now trading)*3%
B.Stamp duty: exemption
 Provident fund housing loan
A.Provident fund loan conditions:
 
 1 Provident fund must pay the full continuous6Months, just accord with the provident fund loan conditions.
 2 Pure provident fund loans must be handled through the provident fund center to.
  3 Foreign fund can not be used in Shanghai.
 
Two.The amount of provident fund loans and the interest rate:
 The a calculation, the amount of the provident fund loans: basic provident fund account balance*40, maximum loan to30WSupplementary provident fund, the account balance*20, maximum loan to10WIn particular, can be credited to the number, is still in the provident fund enquiries handled shall prevail.
 B,The basic provident fund account balance7500Yuan, supplementary provident fund account balance5000Yuan, can achieve the maximum amount.
 C,The first suite
Provident fund is the family as a unit, the maximum amount of basic provident fund loan to 60W, are added, the maximum loan to 80W;
    Non first suite
(1) improved:
 The family as a unit, the maximum amount of basic provident fund loan to 40W, are added, the maximum loan to 60W.
(2) non improvement:
 The family as a unit, the maximum amount of basic provident fund loan to 30W, are added, the maximum loan to 40W.
(per capita area 34P)
D, unmarried, can use provident fund loans together with the parents, but the borrower's account must be in full1Years.
E,Provident fund loans is3.87%
 
Provident fund loan limit:
 
1Room and5Years of the new premises the maximum loan to30Over the years5Years old house, at most is15Year period. The concrete can be credited to the number of years according to the received query alone prevail.
 
 
Property mortgage loan
Property mortgage loan is to own the property to obtain loans through the mortgaged to the bank, according to its use can be divided into consumer loans and business loans.
 
Consumer loan:
The collateral must own the city housing more than 2 sets, (but there are exceptions) the mortgaged to the bank to obtain loans, so the funds can be used to purchase, purchase a car, decoration, buy consumer goods. Now the housing policy is very strict, was identified as the third or more than three sets of customers, has stopped accepting,If there are other property under your name, so the name of the property to be mortgaged to the bank, to obtain a loan.
 
Business loan application:
Business loans must meet its own entity company, with your name through property mortgaged to the bank to obtain loans, the funds can be used to purchase and sale business, equipment, trade etc..
 
A few loans and interest rate: 
Maximum loan to name property assessment7Into.
Interest rates in the benchmark interest rate broke surface10%That is6.534%
 
Loan period:
Consumer loans: mortgage purchase housing, the maximum loan to20Years.
          Other10Years.
Business loans: maximum loan to5Years.
(small business loans simple premise, the loan to collateral requirements no spare room, use and management of loans is the same, the maximum loan to name the property into 7, for 1 years, can renew loans, the interest rate to enjoy 5.84% to perform.)